# Mutual Fund Distribution — Arthum Wealth Services

Goal-based mutual fund advice from an AMFI registered distributor with an international equity research lens.

## What you get
- **Goal mapping** — every fund tied to a specific objective.
- **Asset allocation plan** — equity, debt, hybrid and international split based on risk profile.
- **Curated scheme list** — 4–8 funds. Concentration where it earns conviction.
- **SIP / STP / SWP execution** — managed end-to-end via AssetPlus.
- **Quarterly reviews** — rebalancing, switch recommendations, tax-harvest opportunities.
- **Annual deep-dive** — full portfolio audit with a written 12-month plan.

## Categories covered
- **Equity** — large-cap, flexi-cap, mid/small-cap, sectoral, thematic
- **Debt** — liquid, ultra-short, short-duration, corporate bond, gilt, dynamic bond
- **Hybrid** — balanced advantage, multi-asset, conservative hybrid
- **International** — US-focused and global thematic
- **ELSS** — tax-saving (Section 80C, old regime)

## How we charge
**Nothing directly.** AMCs pay distributor commissions out of the scheme's expense ratio. The expense ratio is the same whether you invest via a distributor or a direct plan.

## Onboarding
1. Free 30-minute discovery call.
2. Fill the [onboarding form](https://forms.gle/SmAqwF7U6FU5biHw8) or use [AssetPlus quick-start](https://www.assetplus.in/mfd/utkarsh).
3. Paperless KYC (~10 minutes if Aadhaar-linked).
4. Receive your written plan within 3 business days.
5. Execute SIPs / lump sums. Review every quarter.

*Mutual fund investments are subject to market risks. Read all scheme related documents carefully.*